Can I Get a Loan Against My Tax Refund?

You could wait patiently for your tax refund during tax season. It’s part of the process, right? And, while you are waiting, life is happening. There are bills due and unexpected expenses. We understand the impact any delay on your refund may have on your finances.

That’s why we offer the Refund AdvanceDisclaimer number109. Scroll to bottom of page. at H&R Block. With a Refund Advance interest-free loan, you could get up to $3,000 the day you file your return. What is a tax refund advance, exactly? While the money is not your actual refund, this type of loan is repaid from your refund. It’s an ideal way to get money sooner and not have to worry about the time it takes the IRS to issue your refund.  

Tax Advance Loan Fact vs. Fiction

If an advance of up to $3,000 on your tax refund sounds too good to be true, you may be wondering what’s the catch? And, seriously, who offers such a generous tax advance? Take a look as we uncover the facts behind the Refund Advance loan offered in H&R Block tax offices. Spoiler alert — it’s the real deal.

Fiction – It will take a long time to get approved and receive a tax refund advance.

Fact – You could get your Refund Advance the same day you file. Approved applicants leave our office with an H&R Block Emerald Prepaid Mastercard® and will be notified by text or email when the loan amount is loaded to the card — typically the same day.


Fiction – It’s probably only a limited number of people who get approved.

Fact – While not everyone is approved, the Refund Advance loan program at H&R Block has high approval rates. To be approved, you must pass certain eligibility requirements (such as ID verification and a sufficient refund amount), and then the lender’s underwriting requirements.


Fiction – My credit score will be affected if I apply for a Refund Advance loan.

Fact – As part of the application process, BofI Federal Bank (the lender for Refund Advance) may review your credit report, but the review will not impact your credit score. So, you can apply for a Refund Advance without worrying about how it might impact your credit score.


Fiction – There will be a cost to apply for the loan.

Fact – There are no fees to apply. Plus, the money you receive is yours at 0% interest, really!


Refund Advance and Much More at H&R Block

Refund Advance is just one valuable part of working with H&R Block. When you walk in to one of our offices, you’ll walk out with the security of filing with Block and the confidence of knowing you’ve got your taxes won. Thanks to our 60 years of tax expertise, you can trust you’ll always get your maximum refund — guaranteed.Disclaimer number84. Scroll to bottom of page.

How to Eliminate the Wait

Have your taxes prepared by one of our tax professionals at a participating H&R Block Office and let them know that you want to apply for the Refund Advance. You can apply as early as January 5, 2018. But don’t delay, the offer ends February 28, 2018.

Make an Appointment

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